3Q14 presentation slides strategy

Continuing strong business momentum
DBS Group Holdings
3Q 2014 financial results
October 31, 2014

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Continuing strong business momentum
9M earnings at new high
1 Despite some slowdown, net interest income stays strong

2 Asset quality remains healthy

3 Breadth of franchise driving solid growth

2

9M and 3Q income at new highs

Income (S$m)


9M 2013

9M 2014

6,776

YoY growth

RECORD
HIGH

9M 2014:

7,278

7%
2,451
2,232
1,767

Non II

NII

687

1,080

1,908
702

1,206

2,514
2,313

2,016
695

1,321


840

1,392

2010 Quarterly 2011 Quarterly 2012 Quarterly 2013 Quarterly
Average
Average
Average
Average

963

RECORD
HIGH

756

3Q 2014:


912

17%

1,488

1,557

1,602

1Q14

2Q14

3Q14

RECORD
HIGH

Fee income also at record


3

3Q fee income up 10% on quarter
600
(S$m)

555
507

500

Others

56

462

54


Investment
banking
400

62

Cards

47

300
Loan-related

477

102

46

46

33

51

51

439
50
47
62

100

92

510

503

49


44

42

51

52

54

61

117

91

92

110


131

132

49
93

67
200
Wealth
Management

107

96

96

100

Trade
and
transaction
services

133

138

136

125

140

132

128

1Q


2Q

3Q

4Q

1Q

2Q
2014

3Q

88

0
2013
Net fee income
4

Deepening relationships with Chinese corporates

Equity

China VAST
US$114 million
IPO

US$21.8 billion
IPO

US$146 million
IPO

US$462 million
IPO

US$194 million
IPO

US$60 million
IPO

US$496 million
Rights issue

Fixed income

S$180 million
Notes

CNH 1 billion
Notes

US$500 million
Notes

CNH 1 billion
Notes

US$800 million
Perpetual
Securities

CNH 2 billion,
CNH 700 million &
CNH 1.3 billion
Notes

US$500 million &
US$700 million
Notes

CNH 1 billion
Notes

US$300 million &
US$1.2 billion
Notes

CNH 1.8 billion
Notes

CNH 2.5 billion
Notes

5

In summary

Business engines firing, pipeline healthy

Asset quality sound, capital strong

Remain positive about our prospects in the region

6